Create Financial Solutions Limited
Reference number: 722497
Instant download
Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 11 years
- Protected through the principal
- No FCA actions
- Active company since 2004
- Accounts filed up to 31 March 2026
Responsible principal firm
Quilter Financial Services Limited Reference number: 440703 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Create Financial Solutions Limited (FRN 722497) is an AR of Quilter Financial Services Limited (FRN 440703). When you use Create Financial Solutions's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Create Financial Solutions, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Website, phone number and address
Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.
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Phone number
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Address
Bankhead Drive, City South Office Park, Aberdeen, Aberdeenshire, AB12 4XX, United Kingdom
In the full report: 3 background checks
- When createfs.com first appeared online, and whether it can receive email
- What kind of line 01224 264949 is
- Who else gives the postcode AB12 4XX
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Quilter Financial Services Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
FCA disciplinary action and complaints
No FCA disciplinary action.
The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.
Companies House record
The company behind the firm: its status, age, registered office and directors.
- Company number
- SC274209 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 October 2004 (22 years old)
- Registered office
- Bankhead Drive City South Office Park, Portlethen, Aberdeen, AB12 4XX, Scotland
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Lachlan George Bursle | Director | Jun 1988 | 21 Sep 2023 | 1 other company |
| Stuart Patrick Gallagher | Director | Jan 1974 | 21 Sep 2023 | 2 other companies |
| Thomas Ross Keith Murray | Director | Apr 1982 | 21 Sep 2023 | 17 other companies |
Other companies run by these 3 directors
A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.
- other companies
- 20
- closed down
- 12
- still active
- 8
In the full report: all 20 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- All 7 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£248k
+63% from £152k
Cash at bank
£859k
+153% from £340k
Employees (average)
15
+50% from 10
Assets and liabilities
In the full report: all 7 years of accounts
- Every year from 2020 to 2026
- The chart, over every year
- Every filed figure, year by year
About these figures
- Turnover
- Money taken from sales in the year, before any costs.
- Profit before tax
- What was left after the year’s costs, before corporation tax. A minus figure is a loss.
- Net assets, or total equity
- Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
- Total assets and total liabilities
- Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
- Cash at bank
- Money in the company’s accounts on the last day of the year.
- Owed within a year, owed after a year
- Debts and bills due in the next twelve months, and those due later.
There is no turnover or profit: small companies do not have to publish them.
Accounts filed at Companies House for company SC274209. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
Create Financial Solutions’s history from the FCA register and Companies House, newest first.
2023
21 September 2023
- Board replaced: both directors left and 3 new directors took over
- Anthony Little stopped being a part-owner
- Simon Antony Kilkerr stopped being a part-owner
- Stuart Gallagher Financial & Estate Planning Ltd took control (75–100% of shares)
Companies House
2016
6 April 2016
- Anthony Little became a part-owner (25–50% of shares)
- Simon Antony Kilkerr became a part-owner (25–50% of shares)
Companies House
2015
21 October 2015
- Became an appointed representative
FCA register
2004
5 October 2004
- Incorporated at Companies House
Companies House
In the full report: all 19 events
- All 19 events in its history (8 shown here)
- Every director appointment and resignation: 11
Firms like Create Financial Solutions
Other firms of the same type (financial adviser), nearest first.
In Aberdeen
Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.
Get the full report on Create Financial Solutions
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 20 other companies its directors have run, named
- 3 background checks on its contact details
- 7 years of accounts, charted
- All 19 events in its history
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk